4.8Four programs. One honest recommendation.
We don't sell one product. After your free consultation, our advisors recommend the path that actually fits your debt, income, and timeline, then connect you with a vetted provider who runs the program.
Debt Settlement
The debt relief provider you are matched with negotiates balances down with your creditors, so you make one affordable monthly payment without taking on new debt.
- Typical settlements 40 to 60 percent
- Best for unmanageable cards
- 24 to 48 month program
Debt Management
Lower interest, one structured monthly bill, and no new debt. Best for households with steady income who want a plan administered by a certified counseling agency.
- Reduced interest rates
- No new credit pulled
- 3 to 5 year payoff
Debt Consolidation
Replace high-APR cards with a single fixed-rate loan from a trusted lender, with a predictable payoff date.
- One fixed monthly payment
- Often a lower interest rate
- Best for 680+ FICO
Credit Counseling
Free, certified guidance from real counselors who help you understand your options before picking a direction.
- No-obligation review
- Plain-language advice
- Talk to a real human
Three steps to feeling like yourself again.
You will talk to a real, certified BDS advisor (not a chatbot, not a salesperson), and walk away with a written plan. You are free to take it or leave it.
A real conversation
A plan made for you
The provider does the work
The numbers behind eight years of work.
Real data from real clients. Where we cite a statistic, you'll find a footnote explaining the source and what it represents.
4,603+ five-star reviews,
and counting.1
We get it.
You're skeptical.
The debt-relief industry has earned that skepticism. Here is the honest truth, plainly, with the things other companies tend to skip.
Most debt resolution programs cause a temporary dip in your credit score, especially settlement, because enrolled accounts may go past-due during negotiation. As balances are reduced and paid off, scores typically recover over time. Your free BDS consultation walks you through the likely credit impact for your specific situation before you enroll with any provider, so there are no surprises.